We’ve compiled below a list of the best Cashback credit cards in NZ. Keep in mind that the best Cashback credit card for you would need to take into account your personal circumstance and needs. For a full list of Cashback credit cards in New Zealand visit our Cashback Credit Card page.
Updated: 14 Oct, 2024
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Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
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BNZ Advantage Visa Platinum Credit Card
Gold Award | Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^. | 18.95% | N/A | 18.95% | $90.00 | 55 days
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SBS Pink Ribbon Visa Credit Card
Platinum Award | This card is no longer available. A reward credit card that also helps fight breast cancer. SBS Bank will donate $20 to Breast Cancer Foundation NZ for every account opened successfully. Every time you use your card SBS Bank will donate 5 cents to Breast Cancer Foundation NZ. Earn $1 for every $150 spent on Eligible Transactions. | 19.95% p.a. | N/A | 22.95% p.a. | $55.00 | 55 days
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Countdown Onecard Visa Credit Card
Gold Award | This card has been suspended and no applications are being accepted. Every $1,000 you spend at Countdown earns you $90. Earn 2x Onecard points and AA Smartfuel discounts at Countdown with the Onecard Visa card. Additionally, earn Onecard points wherever Visa is accepted. | 19.99% | N/A | 22.99% | $65.00 | 55 days
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BNZ Advantage Classic Visa Credit Card
Gold Award | Earn 1 BNZ Point for every $1 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.67 cash equivalent^. | 20.95% | N/A | 22.95% | $40.00 | 55 days
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TSB Platinum Mastercard Credit Card
Gold Award | Earn $1 cashback on every $100 spent on eligible purchases. Plus a range of insurance. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^. | 20.95% | N/A | 22.95% | $90.00 | 55 days
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ANZ CashBack Visa Credit Card
Gold Award | You get $1 cash back for every $150 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^. | 20.95% | N/A | 20.95% | $40.00 | 55 days
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ANZ CashBack Platinum Credit Card
Gold Award | The ANZ Cash back Platinum card allows you to earn $1 cash back for every $120 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent^. | 20.95% | N/A | 20.95% | $80.00 | 55 days
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The American Express Gold Rewards Credit Card
Platinum Award | Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $200.00 | 55 days
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^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.